Payment Plan Modeller
Your off-plan plan, as a dated schedule
Developers quote plans as shorthand: 20/80, 10/70/20, 60/40 post-handover. What your bank account experiences is a series of dated cheques. Pick a plan or type your own split, set booking and handover months, and read the actual cash-flow month by month, to and beyond handover.
The schedule shows the purchase price only. The 4% DLD fee (registered as Oqood on off-plan) and other transaction costs are due early and come on top: model them in the true cost of buying tool.
Paid by handover
AED 2,000,000
Paid after handover
AED 0
| Due | Stage | Share | Amount | Paid to date |
|---|---|---|---|---|
| Aug 2026 | Booking | 20% | AED 400,000 | AED 400,000 |
| Dec 2026 | Construction | 10% | AED 200,000 | AED 600,000 |
| Apr 2027 | Construction | 10% | AED 200,000 | AED 800,000 |
| Aug 2027 | Construction | 10% | AED 200,000 | AED 1,000,000 |
| Jan 2028 | Construction | 10% | AED 200,000 | AED 1,200,000 |
| May 2028 | Construction | 10% | AED 200,000 | AED 1,400,000 |
| Sep 2028 | Construction | 10% | AED 200,000 | AED 1,600,000 |
| Jan 2029 | Handover | 20% | AED 400,000 | AED 2,000,000 |
Figures checked July 30, 2026. Results are estimates for orientation, not financial, legal or immigration advice. Fees and rules change and individual cases differ; verify current figures with the Dubai Land Department, your bank and your own advisors before committing.
Related tools and pages
How Dubai payment plans are structured
Most Dubai off-plan plans have three phases: a booking payment (typically 10 to 20 percent), construction-linked instalments (tied to time or to build milestones like 30/50/70 percent completion), and a final share at handover. The shorthand reads in that order: 20/60/20 means 20 down, 60 during construction, 20 on handover.
Post-handover plans move part of the price past completion: 60/40 post-handover means you own the keys with 40 percent still payable, usually in equal instalments over two to five years. They ease cash flow and can substitute for a mortgage, but the unpaid balance is developer credit, priced into the purchase somewhere.
What to check before you sign one
Confirm whether instalments are date-based or construction-linked: construction-linked plans protect you if the build slips, date-based ones do not. Check the developer's escrow account (mandatory in Dubai under RERA), the compensation terms for late handover, and what happens to post-handover instalments if you resell. And remember that the 4% DLD registration is due at Oqood registration near the start, not at handover.
For resale-minded buyers: an assumable post-handover plan can make your unit easier to sell, since the next buyer inherits the remaining instalments instead of raising a mortgage.
Payment plans: common questions
What does 20/60/20 mean exactly?+
20 percent at booking, 60 percent spread across construction, 20 percent at handover. The construction share is usually split into several instalments; this tool lets you choose how many.
What is a post-handover payment plan?+
A plan where part of the price is paid after you receive the keys, typically in equal instalments over 2 to 5 years. You get use of the property while paying it off, effectively interest-free developer financing.
When is the 4% DLD fee due on off-plan?+
At Oqood registration shortly after purchase, not at handover. Some developers cover half or all of it as a promotion, which is genuine money and worth negotiating for.
Can I get a mortgage on an off-plan property?+
Yes, selected banks finance off-plan from approved developers, typically capped at 50 percent of value during construction, with the balance restructuring at handover. Many buyers instead use the payment plan itself and mortgage only at completion.